Borrow Up To $1,500

The easiest way to get the fastest loan in Canada

5-minute application and
no credit check

Excellent

Rob
Rob
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Really easy to use and quick fast with no hassle
Karie
Karie
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Very good customer service. Always friendly and helpful.
Carrie Vedan
Carrie Vedan
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You guys are always there for me when no one else is thank you!!
Ms. Emily A. Angulalik
Ms. Emily A. Angulalik
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Quick and reliable!👍👍👍
Customer
Customer
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Always incredible helpful and reliable when needed. Staff are friendly and effective.
Sharon C
Sharon C
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Focus cash loan is very easy to deal with. They're very quick with response. I cannot say enough good about them.
 Happy customer
Happy customer
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Great, fast,service. Always polite if I need to call but every thing can be done online ( which I like)
Customer
Customer
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Fast and efficient customer service, I am a satisfied valued client. Thanks a lot
 D. Ackles
D. Ackles
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Great service provided by great people. Always.
Customer
Customer
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Excellent service ... the only drawback is the loan limit, I wish more is provided for good citizens.
Neil
Neil
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They are very professional and helpful and provide excellent customer service.
Nancy
Nancy
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You have always been so easy to deal with. Highly recommended.
Milagros
Milagros
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Fast approval...good customer service...keep up the good work Mike. Keep safe everyone.
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Trusted Lender

Secure Application

Fast Approvals

How To Get Canada Bad Credit Loans

1. Apply Online

Our online, secure application form only takes a few minutes to complete.

2. Get Approved

It takes around 30* minutes for us to make a decision on your loan application during business hours.

3. Get Your Money

Once approved, you should receive an E-mail Transfer transfer in 30* minutes.

All Types of Income Accepted

Employment Income

Private Disability Insurance

Child Tax Credit Benefits

CPP & Private Pension

Unemployment Insurance

Workers Compensation

Why Get Canada Bad Credit Loans from Focus Cash Loans?

Trusted Lender Since 2008

We have been helping Canadians to meet their short term financial needs for the past 12 years.

Apply Online Anytime 24/7

Fill out our easy online loan application form and borrow up to $1500 instantly!

All Types of Income Accepted

We not only accept employment income, but EI, child tax, private disability, workers comp & pension as well.

No Credit Check Loans

Unlike other lenders, we do not run credit checks and have a personalized approach to every loan application.

Instant Interac e-Transfers

If you need money, you need it fast. Receive Interac e-Transfers within minutes of being approved.

No Hidden Fees Or Charges

When you get a payday loan from us, there are no hidden fees or extra hidden charges.

We are the leading provider of Canada Bad Credit Loans since 2008.

Canada Bad Credit Loans- Tough Conditions To Be Adhered

What Canada bad credit loans offer is help to those who have a bad credit history, and there is no way that all the financial agencies here in Canada can run the risk of lending them loans when they have other credits that they have not yet paid or maybe their records show a poor return of loans offered back in the past. These lending agencies run the risk of helping out people with already bad credit history, which is why they have tough terms and conditions that will also offer security to the money that they are loaning out.

Strict Rules To Be Followed When Seeking For Canada Bad Credit Loans

People apply for Canada bad credit loans because they have no other alternative and they are in need of a fresh loan. Those who apply for such loans are the ones that have a bad credit history, and there is a likelihood that the possibility they can get this money from another agency aside from the lending ones is close to nil. So they have no choice but to accept the tough terms and conditions that come with these loans and be willing and ready to work with them no matter what. Why people apply for them? it is completely a matter of bad credits which are still pending.

The consequences of having a bad credit history is one that you have to face if you are a borrower and you need afresh loan from the lending agencies here in Canada. First of all, you have to be aware that the terms and conditions which you will be working under are completely different from the ones in banks and other financial institutions. Terms for Canada bad credit loans have to be tough, and the interests that will be charged will of course be in higher rates than the normal charge of the same loan in a bank.

As you borrow this loan, you should be aware of the fact that you will reimburse the total amount of money borrowed plus the interest within a short period of time, not the same as those with relatively good credit histories because they have a financial stability and target that they have met before. Also, know that with Canada bad credit loans, according to their terms, if the money is not paid back within the agreed time, there are penalties that will include fines and other punishments for not being able to fulfill your part of the deal. This has to be done by these lending agencies so that they can secure the loan that they gave you despite your bad credit history.

Your loan will not be approved simply because you have applied under Canada bad credit loans applications. The lending agency takes a keen look at the financial capability that you have as a borrower and then they decide on the amount of loan that they will lend you. Financial capacity of a borrower affects the amount of loan given in total. Your loan amount will then be fixed payable to the respective borrower when you next choose to apply for the same kind of loan.

Those with secured loans are better off because they are given a loan that is more valuable to the terms and conditions under lending agencies compared to the one that does not have a guarantee. This is because with an unsecured loan application, you as the borrower will have to follow through tough terms and conditions as there I no guarantee that a company the loan that you will be assisted with. These tough conditions have been put in place because giving credit to a person with a credit history that is not pleasing is already taking a risk.